Elmer Antonio

Update on Elmer Antonio

Elmer is once again requesting a loan because he wants to purchase more machinery for his workshop, such as an air compressor for painting, since it will be very useful. His previous loans have helped him purchase other tools, and those have helped him do his work and bring in more customers and improve his revenue. This loan will allow him to provide his family with better living conditions.

Previous Loan Details

Elmer manages a metal and paint shop. He lives in San Miguel with his wife and two children, ages 7 and 12. His shop has three employees and they all work every day. Elmer has the advantage of being the only person in the area who provides these services.

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

This photo was used before for a previous loan for Elmer Antonio. It was first posted on Kiva on May, 2011. Learn More

Photo from previous loan

Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.

Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.